Making sure we have enough money to live well after you finish work is a complicated task. That’s because we’re dealing with several uncertain variables – or known unknowns as American politics’ original Don, Donald Rumsfeld, might put it.

I was serious last week when I told CNBC’s Stephen Sedgwick that we are in a really scary, over-priced asset market and that the best thing the Fed could do for the US and world economy would be to raise interest rates to 10% and allow the biggest implosion of asset prices in history to force deleveraging.